This post was not informative at all. Please share details of your findings.

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Not informative? I gave all the info.

SafeOnline will automatically protect a local address file://C:/Users/<username>/Desktop/etc/etc

Just an example, of course.

Test it yourself: Shift+Right-click some file and choose Copy as path. Then paste it into the browser address bar. You may press enter if you wish; I don't recall if I did. SafeOnline will protect that address. No use.